Landscaping Business Insurance

Landscaping Insurance

Based in Ontario, Contractors Insurance is an award-winning commercial insurance brokerage committed to creating personalized landscaper insurance bundles for virtually every type of contracting business.

Whether you are an independent contractor or a company owner, our comprehensive and tailor-fit landscaping business insurance will match your unique needs.

Through the years, we have served numerous contractors, assisting them through their whole insurance journey—from negotiating premiums to filing claims. Once you’re our customer, we’ll always be there for you. With Contractors Insurance, you can be sure that your landscaping company is in good hands!

What Is Landscaping Business Insurance?

Landscaper insurance is an insurance policy or bundle designed to protect independent landscapers or landscaping companies from industry-related risks. It typically includes commercial general liability coverage along with additional coverages. The following can be a breakdown of what you can include in your custom landscaping business insurance:

Commercial General Liability Insurance

Landscaping companies and independent contractors are responsible for keeping third-party individuals safe—during and after project completion, as well as within the business’s premises. You’re also susceptible to advertising injuries.

These liabilities are why commercial general liability insurance (CGL) is a must-have for landscapers. It covers the costs associated with the following:

Bodily injury and third-party property damage caused by business operations during an ongoing project or due to faults in the completed project
Third-party injuries that occur within business premises
Advertising or reputational injuries (libel, slander, copyright infringement, and so on)

Commercial Auto Insurance

Employees of landscaping companies (as well as independent landscapers) may need a commercial vehicle or a fleet of vehicles to travel to project sites and transport equipment/materials—but road accidents can happen at any point.

Commercial auto insurance can be included in your landscaping business insurance plan to ensure your business is protected from the medical, repair/replacement, and legal costs associated with the following unforeseen scenarios:

Bodily injuries caused by your commercial vehicles
Property damage caused by your commercial vehicles
Theft or vandalism inflicted on your commercial vehicles

Commercial Property Insurance

If your landscaping company operates from an office, commercial property insurance belongs in your landscaping liability insurance plan. This covers your commercial property, documents, equipment, and other possessions you need to keep your business running.

It protects your business from sudden financial losses if your workplace suffers:

Theft or vandalism
Natural disasters that damage the property or limit its accessibility
Business interruption due to the above causes, which results in lost income

Tools and Equipment Insurance

As a landscaping contractor, you will need a wide range of tools (both big and small) to take on projects and execute them. As the name indicates, this type of insurance helps your business by insuring the essentials of your business operations—your landscaping equipment. Tree removal equipment, lawnmowers, and trimming machines are some of the many tools you have in your inventory. A comprehensive tools and equipment insurance policy covers the following:

Stolen/vandalized tools and equipment stored on a project site
Damaged or stolen equipment while in transit (moving from one location to another)
Tools and equipment that are damaged by natural causes like rain, flood, etc.

Pollution Liability Insurance

As a landscaping contractor, you may use pesticides and other chemicals to prevent insect and pest damage. However, using these chemicals comes at a cost as they can cause pollution. Whether it’s air pollution through emissions or water pollution through contamination, pollution liability insurance is your best bet in the following circumstances:

Third-party injuries and medical bills due to pollution-related injuries or illnesses
Property damage caused by your chemicals to either an in-progress or finished project
Covering pollution cleanup costs to curb the spread of pollutants from your job site

Who Can Benefit From Insurance for Landscapers?

Insurance for landscapers protects both independent landscapers and landscaping companies of all sizes. All it takes is one accident to strain your business’s operations, which is why you need a risk management plan that includes landscaper insurance.

A customized landscaping insurance policy can protect the following contractors and businesses:

Arborists
Landscape architects
Landscape designers
Gardeners
Groundskeepers
Lawn care specialists
Irrigation technicians
Stump removal companies
Machine operators within the landscaping industry

Why Is It Important for Ontario Contractors to Have Landscaping Insurance?

Though commercial general liability (CGL) is usually included in almost every landscaper insurance, additional coverages, such as professional liability insurance or pollution liability insurance, can provide more protection for the business.

By obtaining a personalized landscaping insurance bundle, your business will be protected from a wide array of unforeseen events. You can run your business with peace of mind.

Landscape Insurance Claims Examples

Claims Example #1

After the landscaping project for a residential property is completed, your client trips on a protruding tree stump. They sustained a wrist fracture that needs reconstructive surgery, making him miss work for eight weeks.
The client successfully sues for bodily injury. Your CGL will cover the legal fees and settlement, totalling $155,000.

Claims Example #2

While an employee is en route to a project site, the company vehicle with all the equipment inside slides off the road and crashes.
Your commercial auto insurance can help cover the repair charges or replace any damaged tools, amounting to $2,500.

Claims Example #3

While working on a landscaping project, your client experiences a respiratory illness caused by the chemicals used in the project.
The client sues you successfully for bodily harm. Your pollution liability insurance can cover the medical and legal fees, amounting to $5,000.

Leading Provider of Insurance for Landscapers in Ontario

One attribute that truly sets us apart is our customer-centric approach. Below, you’ll find the following benefits we can provide to you and your business:

Personalized Insurance Plans

With our personalized insurance plans, you will only need to pay for what your business needs. No unnecessary riders and unwanted costs.

Utmost Transparency on Coverage and Limitations

We’ll happily explain how your insurance policy works and go over what triggers the claims, what exclusions are in the policy, the process of filing claims, and so on.

Thorough and Straightforward Insurance Education

You can count on us as a source of information and assistance. We’d like for you to understand your landscaper insurance right from the very beginning. Should you have any questions, we are always here to answer them and empower you.

Frequently Asked Questions About Landscaping Insurance

General liability insurance for landscapers costs around $54 per month for a coverage limit of $2 million. The cost will increase if your business opts for additional coverage.

According to Ontario law, contractors like landscapers need at least commercial general liability insurance before going into business. This is to protect customers and other third-party individuals from injuries or property damage caused by business operations.

Ready to Get the Coverage You Need?

Contractors Insurance is one of the leading providers of landscaping business insurance in Ontario. We specialize in getting to know businesses, assessing risks, and putting together a customized insurance program they can rely on.

We are proud to have a team of insurance champions who are ready to give you reliable insurance recommendations and ongoing assistance with all your insurance needs. You’re sure to benefit from our wealth of experience and expertise.